More and more people are being diagnosed with Sleep Apnea. Once diagnosed, finding a low cost life insurance plan can be difficult. It is essential that you work with a qualified independent insurance agency.

Sleep Apnea is defined on the Web MD website as “a serious sleep disorder that occurs when a person's breathing is interrupted during sleep. People with untreated sleep apnea stop breathing repeatedly during their sleep, sometimes hundreds of times. This means the brain -- and the rest of the body -- may not get enough oxygen.”

There are two types of sleep apnea:
1. Obstructive sleep apnea (OSA): The more common of the two forms of apnea, it is caused by a blockage of the airway, usually when the soft tissue in the back of the throat collapses during sleep.
2. Central sleep apnea: Unlike OSA, the airway is not blocked but the brain fails to signal the muscles to breathe due to instability in the respiratory control center.

The diagnosis of Sleep Apnea has a negative effect on the person who is applying for life insurance plan because of the many potentially caused physical health problems. These include problems with the endocrine system (diabetes) and cardiovascular system (high blood pressure, heart failure, heart attacks and strokes) as well as many other physiological problems.

The person with sleep apnea may apply for term, universal or whole life insurance plan and the results will be the same. The insurance agency will likely charge a higher premium even if the applicant is young and in good physical health in anticipation of these physical health problems occurring later in life.

With sleep apnea it is important to maintain your overall physical health in terms of keeping your weight, cholesterol, blood pressure and blood sugar low. If you have had a sleep study, make sure to have the results available for your independent insurance agency. Many times people who are diagnosed with sleep apnea are prescribed a CPAP (Continuous Positive Airway Pressure) device. If you have been prescribed a CPAP make sure to use it as instructed by your physician.

If you have sleep apnea - applying for a life insurance plan online without speaking with an independent insurance agency will most likely result in a substandard quote or even a decline. It is important to work with a knowledgeable and experienced life insurance agency who represents many different carriers and has experience with hard to place life insurance. Working with an independent insurance agency is especially needed if you are applying for a plan face amount for $1,000,000 or more.

A life insurance agent will first get to know you, your physical health history and daily life. When an independent insurance agency understands you, then they can select the most appropriate life insurance organizations to apply with and can really help to build a case for a low premium quote with the life insurance underwriter that will help obtain a more favorable physical health rating. When applying through the internet - the underwriter only sees numbers on a screen which may look the same as the next application who also has sleep apnea but may be out of shape. However, an agent has the ability to add things like “applicant plays baseball every weekday outdoors because he resides in Orange County California. He has been prescribed a CPAP which is used regularly knowing they’ll feel so much more rested in the morning”. With the right independent insurance agency, a 60 year old male applicant might be able to receive a Standard quote on a $1,000,000 ten year term life insurance plan which is a considerable savings for the insured.

Author's Bio: 

Peter Green Insurance Agency LLC is an independent insurance agency in Costa Mesa, Orange County, California They provide Business Property and Liability, Workers Compensation, Errors and Omissions, Employment Practices, Business Insurance, Auto Insurance, Surety and Fidelity Bonds, Health Insurance and Life Insurance. Visit http://www.petergreeninsurance.com and http://www.facebook.com/pages/Peter-Green-Insurance-Agency-LLC/51055352556 to learn more. If you have Sleep Apnea or any other medical condition that may makes finding low cost life insurance difficult please give our office a call, 714-258-2800, and ask for Peter.